6 Reasons Why You Need Travel Insurance

Aug 24, 2023

Last Updated on: Nov 13, 2025

Travel Guides

Traveling could be among the most rewarding experiences one can have, whether it’s for leisure or business. The idea of discovering a new destination and wandering its streets is really exciting. However, before you embark on a fresh journey, have you ever thought of what might go wrong during your travel arrangements?

Imagine arriving at your destination only to discover that your luggage is nowhere to be found. Consider the scenario where your flight unexpectedly gets canceled. The solution to these uncertainties is travel insurance.

What Is A Travel Insurance? 

Suppose you missed your early flight to America or forgot your bags in China- who is going to take responsibility?  Have you ever thought about the priceless money you will lose without a stable backup? Here is when the need for travel insurance kicks in. 

Travel insurance refers to an insurance type that covers financial losses related to traveling. But it doesn’t end there. Insurance for traveling can also be helpful while getting protection for international or domestic travel. Other factors that might also affect travel are also covered under this, like injury, illness, accidents, etc. 

Many travelers either forget to opt for travel insurance or purposely avoid purchasing it. In both these cases, you will have to bear the consequences. Regardless of whether you are traveling abroad or within your own country, travel insurance is an essential safeguard that offers multiple advantages.

Why Do You Need This Insurance Right Away: 6 Key Reasons? 

Imagine going on a fun tour with your friends or your loved one, and something unfortunate happens. Nobody would ever want that, right? This is why here are the top 6 reasons why travel insurance is important when you embark on any journey.

Financial Security When Traveling Abroad

Financial Security When Traveling Abroad

Imagine a situation where you visit a foreign country for the first time and find your wallet or bags stolen. What could you do in this situation? This is where your travel insurance proves its worth.

In cases of unexpected emergencies, such as thefts, your travel insurance company becomes your support system, providing the necessary financial assistance to address the situation. If you’re uncertain about which service provider to choose from the many available, you can easily compare prices with Utility Saving Expert and find the cheapest and most appropriate cover for your travel needs.

It Covers Medical Emergencies

Every Travel Insurance policy includes coverage for medical treatment expenses up to a specified limit. These policies are inclusive and do not differentiate between various types of medical emergencies.

Whether it’s medical treatment or accident-related expenses, the insurance company will reimburse costs up to the predetermined limit. Moreover, insurance providers maintain a roster of network hospitals where you can receive the necessary treatment.

If You Lose Luggage And Personal Belongings

In case your luggage is lost or significantly delayed, whether due to your negligence or the airport authority, travel insurance offers you peace of mind. The policy will provide coverage for purchasing essential items temporarily while your baggage is located.

While your personal belongings may be irreplaceable, your travel experience will remain unaffected thanks to this coverage.

If the Trip Get Cancelled

Travel insurance additionally safeguards you in cases where you might need to cancel your trip for valid reasons, such as illness, injuries, national emergencies, or natural disasters. With travel insurance, you can be reassured that you won’t lose the entire sum you invested in the trip if it happens to get canceled.

When You Miss A Connecting Flight

When you encounter the unfortunate situation of missing a connecting flight, perhaps due to a delay in your first flight, travel insurance comes to your rescue. This coverage enables you to seek reimbursement for the expenses incurred as a result of the missed connecting flight.

The policy would allow you to file a claim for the expenses you’ve had to incur due to missing the connecting flight. This reimbursement can cover various aspects, including the cost of rebooking your missed flight, arranging new transportation, and even adjusting your accommodations if necessary.

Fraudulent Charges

Imagine yourself losing your credit/debit card during a trip, and suddenly, you start getting texts that someone is using your credit or debit card. Scary, right? You are not only losing your money, but you are losing in an unfamiliar place where assistance might be hard to come by.

However, with the safety net of travel insurance, you would not have to face this problem. Your insurance coverage will reimburse you for any monetary losses incurred due to stolen payment cards, even covering transactions up to 12 hours preceding your initial report of the incident.

What Is Meant By Comprehensive Travel Insurance? 

Another very popular type of insurance is comprehensive travel insurance which consists of various other coverage. They are generally grouped under a single plan. Very commonly, comprehensive insurance for travel consists of a 24-hour helpline for healthcare when some emergency arrives. Alternatively, you might be able to buy every coverage type separately. 

  • Interruption Coverage & Trip Cancellation

This particular insurance helps in reimbursing a traveler for all or some prepaid travel expenses. Under it come trip cancellations, travel delays, cancellations, and trip interruptions. 

  • Baggage Loss and Damage Coverage

A frequent travel problem is your personal belongings getting either lost, damaged, or stolen. It immediately sabotages your whole mood because you have to look for replacements. However, various travel insurance policies pay only for belongings after exhausting other claims. 

  • Rental Insurance

Thirdly, vacation rental insurance coverage includes accidental damage costs from a vacation rental property. Some of these plans might also provide trip interruption and cancellation that help in reimbursing travel costs, particularly when you cannot access your vacation rental. 

Conclusion

Whether you’re preparing for a vacation within your own country or embarking on an international journey, it’s crucial to consider obtaining travel insurance. This prudent step will help guarantee a vacation that is not only secure and trouble-free but also offers you peace of mind throughout your travels.

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Abdul Aziz Mondol is a professional blogger who is having a colossal interest in writing blogs and other jones of calligraphies. In terms of his professional commitments, he loves to share content related to business, finance, technology, and the gaming niche.

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Warm Winter Wanders: January Destinations to Soak Up the Sun 

BY  Abdul Aziz Dec 30, 2023

Come January, and you can't help but stare out the window. As the temperature drops, you daydream about visiting somewhere warm. We are here to give you ideas about warm places to visit in January. Fortunately, January is a fantastic month to travel. Rates start to decline as the holiday rush fades, making it the perfect time to take a flight to sunnier and greener pastures. Naturally, it depends on your goals. Nothing compares to visiting the Serengeti in January for a warm-weather bucket list trip. When it comes to finding a good airfare deal, keep an eye on flights to Hawaii. This is when prices drop to attract travelers and boost the state's economy following the Maui fire. Visit Curaçao for the best of everything, including warm weather, direct flights, beaches, culture, and cuisine. Stay at the recently opened adults-only boutique Kura Botanica. It is housed in a UNESCO World Heritage building. This is a surefire way to beat the winter blues. 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BY  Arnab Jul 12, 2023

Banff National Park is a world-class location famous for its mountain ranges, wildlife, and glacially-fed lakes. It’s so remarkable it became a United Nations Educational, Scientific, and Cultural Organization World Heritage Site. It acquired the honor in the early 80s for its exceptionality. Today, Banff is the ultimate destination for holidaygoers who want to explore, relax, or both! If you’re planning a trip to Banff this summer or early fall, or you’re planning for a future vacation, then we encourage you to consider visiting several lakes during your travels. You won’t regret it! 1. Lake Louise We’re starting with the most well-known lake, Lake Louise. Located 45 minutes northwest of Banff, Lake Louise gets its name from the fourth daughter of Queen Victoria, Princess Louise. This bright blue, tree-lined lake (and its famous Chateau) has jutting mountain peaks surrounding it. It also features the snow-capped Victoria Glacier in the background. During late spring, summer, and early fall, various hiking and mountain biking trails are available for exploration around Lake Louise. And if you have time, a hike to the Lake Agnes Tea House is a must. Horseback riding is also an option here. At Chateau, visitors can spend a half day or a whole day in the saddle discovering the Timberline Trails that wrap around the lake. There is also Paradise Valley and other scenic routes where you can rent canoes at the Chateau, too. 2. Moraine Lake For many, Moraine Lake is the top contender for the most beautiful lake in Banff. Here, you can hike several trails — there are options at Moraine Lake for all hiking abilities. The most popular short hike is the Rockpile trail — which is phenomenal at sunrise. If you're an early riser, we encourage you to add this to your holiday 'to-do' list. Visitors to Moraine Lake can also rock climb, rent canoes, and bring their inflatable SUPs to paddle across the water. The road to Moraine Lake was closed to private vehicles at the end of 2022. Fortunately, shuttle services as offered by Morainelakebus now commute visitors to and from the lake, with buses starting as early as 4 a.m. for those eager to catch sight of the famous sunrise! An extra bonus for this provider is that some of their services also stop at number one on our list, Lake Louise. 3. Lake Minnewanka Located within the Montane Eco Region, Lake Minnewanka —also known as the ‘Lake of the Spirits’ — is the largest lake in Banff; it’s 18 kilometers long and approximately 100 meters deep. At Lake Minnewanka, you can explore footpaths and trails or sit back on a guided boat cruise to learn all about the lake’s rich history. Minnewanka is considered an area of cultural and historical significance; artifacts dating back over 14,000 years have been found here. For scuba enthusiasts, Lake Minnewanka is one of two that you can explore in Banff National Park (the second being Two Jack Lake). 4. Bow Lake If you’re driving along the Icefields Parkway, then a stop at Bow Lake is a must. It's a great spot to stretch your legs, as well as take phenomenal photos of the lake with Crowfoot Mountain and the Wapta Icefield in the background. If you have the time, this area is fantastic for hiking, mountaineering, as well as scrambling — with tons of wildflowers filling the trails in the summer months. The Top Lakes to Visit When you’re in the Banff area, it's possible to visit multiple lakes throughout your stay — there are many more in addition to the four mentioned here. Each offers something unique from the other, and you're sure to have an unbelievable time — whether you visit for adventure or bring a picnic, sit back, and take in the beautiful scenery. Read Also: Best 10 National Parks In New Mexico To Visit In 2023! 7 Best National Parks In Ohio You Should Know Before Going From Tokyo To Kyoto: An Epic Journey Through Japanese Culture And History

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Do The Sand Dunes Come Alive At Kobuk Valley National Park?

BY  Sibashree Sep 11, 2024

Kobuk Valley National Park is surreal! Have you ever thought to meet sand dunes in the Arctic Circle? The unique geology of the park makes it possible. That’s not all! The Great Kobuk sand dunes stand here, along with the remains of the North American continental glaciers.  Three of the sand dunes in this national park are active or alive. The Great Kobuk Sand Dunes, Hunt River Dunes, and Little Kobuk Sand Dunes here cover a mesmerizing 20,000 acres of area in the park.   Today, hiking through these dunes is one of the most popular activities in the Kobuk Valley National Park.   While it is visually unusual or unexpected to see sand dunes in an Arctic National Park, you also need to understand that the Arctic region gets very little rainfall every year. So, this is also a desert region.   “Sand dunes in the Arctic landscape are not what you would expect. Since most people associate sand dunes with a hot desert environment, it is a visually unusual thing to see. In fact, what most people don't realize is that the Arctic is also a desert with very low levels of rainfall.”   - Christian, a Kobuk Valley National Park Worker  Having said that, how the sand dunes came to be here, and the experience of exploring them will be a great thing to discuss in this article.   This Is How The Kobuk Valley National Park Became The Land Of Sand Dunes   https://www.instagram.com/p/BWatGdVFuis/ Much of Alaska, including the Kobuk Valley National Park, falls in the Tundra region. Tundra, the coldest of the biomes, gets only around 150 to 250 mm of rainfall and snowfall yearly1. So, the national park has less rainfall than some of the most well-known deserts in the world.   Further, the sand dunes in the Kobuk Valley are as old as the Ice Age. Now, as the mighty glaciers moved forward and made a retreat, the rocks beneath got ground. Now, the blowing wind transported the sand into the empty and ice-free Kobuk Valley. The sand dunes in the park are up to 150 feet high, and they are the biggest, high-altitude, and most importantly, “active sand fields”  in the earth.   In The Land Of The Great Kobuk Sand Dunes  https://www.instagram.com/p/BgmZYDdAA_r/ Are you in the Sahara? No, you are around 35 miles above the Arctic Circle and still find the largest active sand dune field in the world. Today, it is a popular backpacking, hiking, and camping destination in the National Park. You must attend the Northwest Arctic Heritage Center to learn more about the outdoor pursuits in the land of sand dunes.  Let’s quickly look at why the Great Kobuk Sand Dunes is a preferred destination for camping, hiking, and backpacking.  The sand is steady enough for the landing of an aircraft with wheels.  You can put up your tent on any level surface.  Also, you can hike in any direction.  Further, you can board a float plane and reach the Kobuk River. From there, you can take a backpacking tour for around two miles and reach the dunes.  You must visit the Kotzebue Visitor Center if you have plans to take this backpacking journey to and from the Kobuk River.   There is no marked route for hiking.  In summer, the temperature in the sand dunes can reach up to 100 degrees Fahrenheit. Also, fall is the season to see caribou migration here.   However, there’s more to it! Let’s learn about the Great Kobuk Sand Dunes as relics of the Ice Age and how life thrived here.   Great Kobuk Sand Dunes: The Relics Of The Ice Age   https://www.instagram.com/p/BYwfdMYlr-0/ To know about the formation of the Great Kobuk Sand Dunes, we must go back to the Ice Age. Around 28000 years ago, glaciers in the mountains formed. I have already discussed how the glaciers ground the rocks and wind deposited them in the Kobuk Valley.   Further, approximately 14000 years ago, the glaciers made a massive retreat. As a result, there were 200,000 acres of sandy land formation on the river banks. Complex holocene activities and geomorphic preservations keep the sand dune field at the Kobuk Valley National Park active or alive. Along with the Kobuk Valley, small lakes in the park have also accumulated sand over thousands of years.   However, most of the landscape today is occupied by the vegetation of the national park, and the sand dune area consists of only 20,000 acres. The vegetation found here consists of the following varieties.  Wild rye  Grasses  Sedges  Kobuk locoweed  Wildflowers blooming occasionally  These species grow on the shifting sand, and they function as stabilizing agents. You can see shrubs, lichens, mosses, and algae following this vegetation. Finally, there are spruce, birch, and aspen trees covering the landscape.    The slopes of the Kobuk Valley sand dunes are the only place where Kobuk locoweeds grow. These plants belong to the pea family, and they are known for their purple flowers. If you want to see these flowers, you must visit the park in late June and July.   The inland dune field of Kobuk Valley National Park is surrounded by boreal forest.   Humans And Wildlife In The Great Kobuk Sand Dunes  https://www.instagram.com/p/Cv0EhpdLsJ5/ It’s amazing to see the Western Arctic Caribou walking through the Great Kobuk Sand Dunes. Fall and spring are the migration seasons for these animals. The north of Brook Range is the caribou herd’s calving ground, and they migrate to and from this place.   As the caribou herds pass through the sand dunes, their footprints remain in the ground for the longest time. According to National Park Service data, around 250,000 caribou pass through this national park annually.   No wonder that the Kobuk Valley National Park is one of the “last great migrations” remaining in the world. The table below gives you a brief idea about the animals and birds in the sand dunes.  Birds Sharp-shinned Hawk Golden Eagle Bald Eagle American Wigeon Northern Pintail Rough-legged Hawk Marsh Hawk Mammals Caribou Wolverine Muskox Snowshoe Hare Moose Gray Wolf Grizzly Bear Beaver Arctic Fox American Pine Marten Amphibians Wood Frog Fish Longnose Sucker Salmon* Northern Pike Alaska Blackfish Alaska Whitefish Humpback Whitefish Alaskan Stickleback Ninespine Stickleback  Human history in the Great Kobuk Sand Dunes is at least 8000 years old. They lived by the Kobuk River and were mainly focused on fishing, hunting, and trapping for survival. It is fascinating to visit the thousand-year-old hunting camps on the edges of the sand dunes.  The golden and shifting Great Kobuk Sand Dunes are located a few miles away from the Kobuk River. Further, the sand dunes soar up to 100 miles in the air.   Kobuk Valley National Park Is Also The Land Of Iñupiaq Subsistence  https://www.instagram.com/p/BWdjyOBl_Lw/ Human life, which started in the Great Kobuk Sand Dunes 8000 years ago, is still thriving with the mantra of subsistence. The Iñupiaq people here use the available natural resources to fulfil their physical needs and safeguard their spiritual and cultural requirements.   For example, they depend on caribou and salmon to feed themselves and their dogs. At the same time, caribou skin hide is extensively used to make parka jackets to combat Arctic winter. They also make mukluks or boots using reindeer skin to walk through the snow.   Further, the local people made baskets using birch and willow. Moreover, in darkness, caribou tallow or seal oil were the only ingredients to light up their stone lamps.   Irrespective of the trade with the coastal communities, the “customary, traditional and non-commercial” use of natural resources is still important in the park.   Iñupiat Ilitqusiat And Respecting The Ecosystem   https://www.instagram.com/p/CzjboNfsc4Y/ Aboriginal people in the Kobuk Valley National Park are committed to passing on their values from generation to generation. The Iñupiat Ilitqusiat value asks them to transfer the knowledge and skill of hunting and everything about life.  In addition, this transfer of knowledge helps to make the most of various seasons and subsistence opportunities. For example, the caribou season comes to this park after the salmon season.   Earlier, Noatak Valley was the destination for these people during the caribou season, and even today, some families move to Noatak Valley. Again, summer camping around the Kobuk River is common for fishing, especially catching salmon and whitefish.   Summer is also the season for harvesting berries and wild greens for the local people.  If you want to learn about the local people and their values, you must be respectful and understand their seasonal activities as a part of their subsistence practices.   Overall, the Kobuk Valley National Park is not just a place to see sand dunes and wildlife. It is a tapestry of human lives depending on nature.   Things To Know Before You Visit The Kobuk Valley National Park   For me, the sand dunes and Iñupiaq subsistence practices are the most fascinating things in the Kobuk Valley National Park. However, keep the following information handy if you are to pay a visit anytime soon.   Mode of Transport: Authorized air taxis from Kotzebue or Bettles  Visitor Center: Northwest Arctic Heritage Center  Entrance Fee: Free  Permits Required:  Commercial Use Authorization or CUA for commercial activities, Research Permits, Filming and Photography Permits  Activities to Do: Boating, fishing, camping and backpacking, hiking, flight-seeing and exploring nearby attractions  Best Time to Visit: June to July   Area: 1,750,000 Acres  Established: 2nd December, 1980  Number of Visitors: 17,616 (2023) (National Park Service Data)  Snowfall, downpours, and extreme weather conditions can occur in any season of the year. So, follow the instructions shared at the visitor center and keep your gear ready for survival!